I am a practicing physician who has an interest in personal finance and investing.  Although I do not have formal training in this field, I have read many books, advised many friends and doctors, and have contributed to investing forums, like Bogleheads.  By using my methods, I have achieved a return of about 13% over the last 5 years!  Remember, we have suffered through a bad bear market during this period.  By being disciplined, I bought shares all the way down to the low of DowJones 6600 in Mar 2009.  I then saw these shares double in price over the subsequent 2 years.  You can achieve the same results.I believe in the slow and steady approach to investing.  Keeping costs low, diversifying, and spending as little time on investing as possible.  If you have any questions, please feel free to contact me.